Nosedive has become a handy shortcut for pointing to the dangers of social media (in the same way that Minority Report was a handy shortcut for gestural interfaces and Her is a handy shortcut for voice interfaces).

“Social media is bad, m’kay?” is an understandable but, I think, fairly shallow reading of Nosedive. The problem isn’t with the apps, it’s with the system. A world in which we desperately need to keep our score up if we want to have any hope of advancing? That’s a nightmare scenario.

The thing is …that system exists today. Credit scores are literally a means of applying a numeric value to human beings.

Nosedive depicts a world where your score determines which seats you get in a restaurant, or which model of car you can rent. Meanwhile, in our world, your score determines whether or not you can get a mortgage.

Nosedive depicts a world in which you know your own score. Meanwhile, in our world, good luck with that:

It is very difficult for a consumer to know in advance whether they have a high enough credit score to be accepted for credit with a given lender. This situation is due to the complexity and structure of credit scoring, which differs from one lender to another.

Lenders need not reveal their credit score head, nor need they reveal the minimum credit score required for the applicant to be accepted. Owing only to this lack of information to the consumer, it is impossible for him or her to know in advance if they will pass a lender’s credit scoring requirements.

Black Mirror has a good track record of exposing what’s unsavoury about our current time and place. On the surface, Nosedive seems to be an exposé on the dangers of going to far with the presentation of self in everyday life. Scratch a little deeper though, and it reveals an even more uncomfortable truth: that we’re living in a world driven by systems even worse than what’s depicted in this dystopia.

Two years ago Douglas Rushkoff had an unpleasant encounter outside his Brooklyn home. Taking out the rubbish on Christmas Eve, he was mugged — held at knife-point by an assailant who took his money, his phone and his bank cards. Shaken, he went back indoors and sent an email to his local residents’ group to warn them about what had happened.

“I got two emails back within the hour,” he says. “Not from people asking if I was OK, but complaining that I’d posted the exact spot where the mugging had taken place — because it might adversely affect their property values.”